Comprehensive financial planning & investment management services:
- Retirement Planning
- Tax Planning
- Cash Flow Analysis
- Balance Sheet Analysis
- Risk Management
- Education Planning
- Estate Planning
- Investments available only to selected fee-only advisors
Crestone Financial Advisors, LLC is an independent fee-only, comprehensive financial planning firm located in the beautiful Shenandoah Valley of Virginia.
Our Philosophy
We offer an initial meeting at no cost to you,
so that we may get to know each other.
Our meeting gives you a chance to ask questions and determine if our philosophies align. We listen to your concerns and goals and determine how we can help you.
Frequently Asked Questions
Are You a Fiduciary?
Completely! We are committed to acting in the best interest of our clients.
How do you get paid?
There are few ways we can get paid, but the key is we can only be paid by the client. We do not accept third party compensation of any kind. Most of our clients prefer an Assets Under Management arrangement, but flat fee and hourly contracts are available.
What are my all-in costs?
Every client is different so this can vary, but an estimate is 0.25% per quarter for the first 1 million and 0.125% per quarter for amounts above 1 million. At the initial meeting we would be able to give you an exact breakdown of the costs based on your situation.
What’s your investment philosophy?
This is an excellent question that is hard to answer in one sentence. At least one of our initial meetings will be based primarily around answering this and presenting the evidence to support it. We do believe that free markets work and when allowed to work humanity has a long track record of success that is worth investing in.
Will you prepare my tax return?
While we are actively pursuing this option for the future it is not a service we currently offer.
What asset allocation will you use?
This is unique to each client. We do have the technological capability to create household allocations including 401ks, etc. and perform tax-efficient asset locations.
What should I expect in the initial meeting?
The initial meeting is a chance for us to meet and see if our personalities and philosophies align. We will answer any questions you have and explain our process. If investment philosophy is a primary question we can go over that in detail.
Can I work with you if I don’t live close to your Broadway, VA office?
Yes! We have clients from coast to coast. Virtual tools are in place, but we also try to travel to location as time allows.
What if I don’t like your service?
We want our clients to be happy. There are no minimum terms to the contract and we do not use products with surrender charges.
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